Sunday, November 24, 2013

What Steps You Have to Follow to Apply for Payday Loans

Maybe you've heard of payday loans but don't know how to go about applying for one, or maybe you've never even heard of a payday loan. This is because short term credits aren't offered in every state. While they are easy to get since there is no credit check, they can be easily abused.

The Payday Loan Process

The reason it is called a "payday" loan is because it is designed to be a short-term loan which must be paid back by your next payday. If you can't pay it back in its entirety by your next pay date, you must at least pay the interest on the loan to avoid having it automatically taken out of your bank account.

This is where it gets tricky. Most people don't realize how high an interest rate of 16% can be. This is the average amount of interest charged by check cashing places. For example, if you take out a loan for $300 and cannot afford to pay it back in full, you must pay the interest of $50 every two weeks. $100 a month is a big extra bill to take on for some people.

This is why you should avoid short term credits unless you know 100% for sure that you can pay it back in two weeks or less.

Who Offers Payday Loans?

You can find places that give payday loans by looking in the yellow pages or Googling 'check cashing'. You will find many places that offer some services similar to a bank; however these businesses are not banks.

Check cashing companies mainly serve to cash checks, as their name implies. Some people with poor credit cannot qualify for a bank account. They pay small fees, deducted from their checks, to get similar services from these places.

Check cashing companies may also offer bill pay, registration renewal, and money orders.

These can be found in any neighborhood across the country. They are popular and retain customers because of the instant nature of the service and convenience they afford those that need cash.

What is needed to apply for Payday Loans?

When you go down to a check cashing place to apply for a loan, you'll need to bring several documents with you. If you are missing just one, you will be sent away. To avoid extra trips, take with you:

* ID card
* Social Security Card
* Checkbook
* Utility bill
* Bank Account Statement
* 2 most recent paystubs

If you have all of these items, you will be given a short application, usually just one page in length. The check cashing company will ask for at least three references, along with your employer's phone number. Make sure you pay the loan back, or they can call any one of these references!

Payday Loan Tips

Don't take out more money than you can afford to pay back. Just because you can get up to a certain amount, doesn't mean you have to take out the full amount.

If you are stuck in a cycle paying interest and can't get out, you can request to pay off your loan in four equal payments. However, this may mean that you cannot borrow again for up to a year.

Look for check cashing companies that offer zero interest on first time short term credits. Only you can decide if you need the money bad enough to pay a high amount of interest. If you have bad credit, this may be your only option for emergency cash, but make sure you know you can pay it back! Short term credits are easy to get, but not always easy to get out of.

I have been writing for many of the best websites offering expertise, and have acted as a rep for an industry leader in payday loans. I am passionate about the financial world and am based in Manchester, England.

Tuesday, November 19, 2013

How to Plan a Family Holiday Without the Headaches
Bring the entire crew together for an adventure abroad or just down the street for an unforgettable holiday experience - it can be a daunting process. Deciding the best plan of action for to make it all run smoothly is certainly a challenge. However, with the proper advice, planning a trip, complete with family holiday insurance and an exciting and fun itinerary, is a simple and satisfying way to enhance the lives of every member, no matter their age.

Gather the 'Troops'

Everyone can participate in the initial planning of a holiday. First, brainstorm the best options for destinations considering time and budget. Think of a few that could work at a stretch and others that might be more reasonable and grade them accordingly. Then choose what type of activities the group as a whole might be interested in: are you more hikers, beach goers or foodies? This can help narrow down the list. Let even young children offer their opinions too; encourage them to look at books to help pick a destination. Older children or teens will love feeling part of the organisational team, especially if they also get input on specific tours, restaurants or hotels booked. While the younger members won't be involved in choosing the best family holiday insurance policy, it's not a bad idea to explain to them its purpose so they get used to the concept.

Prepare For It All

As opposed to the freedom of a solo traveller, keeping a whole family crew in line can be difficult. There are more suitcases, tickets, tears, toilet stops and photo opportunities along the way, all of which need to be handled seamlessly. To streamline things from the very start, take packing seriously and have each member responsible for their own bag, if age appropriate. Keep snacks, minor first aid materials and breathable clothing in every bag, ready to go at a moment's notice. Research your final destination ahead of time to gather facts and work out if any specialise items/clothing etc may be needed. Things like learning a few phrases in the local language, knowing typical weather patterns and any safety precautions are key too. Surprise is half the fun on holiday, but all excitement ends if someone is missing a favourite item, gets injured, or falls ill without the right game plan to help in the situation.

Add Backup

Packing and reading up on your destination are not the only ways to stay ready for anything. Leave contact info with friends or family at home in case any issues should arise. Have extra copies of identification, passports and other useful information (like business cards from your accommodation) in easily accessible places in case anything (or anyone) gets lost. Family holiday insurance can be greatly beneficial in times of emergency and inconvenience on the road - but it's important everyone on the trip understands how to utilise it. Ensure older children know the whereabouts of all important documents.

We provide low cost travel insurance visit: and offer a range of policies including family holiday insurance, annual, multi-trip and single-trip insurance. For all your travel cover needs, Insuremore can help you in the quickest and most cost-efficient way.

Wednesday, November 13, 2013

Do All-Inclusive Holidays Really Save You Money?

How can you give your family a wonderful holiday and save money while you do it? Over recent years, all-inclusive package holidays have become increasingly popular. The attraction has been in the potential savings that can be made from not having to spend additional money on food, drinks and entertainment. The question is; do all-inclusive holidays really save you money?

Initially, all-inclusive holidays were part of the thrill of a long-haul package holiday to places like the Caribbean, Mexico, or the islands of the Indian and Pacific Oceans. Now they are a standard offering from even the most budget holiday destinations. Holidays to Turkey, Spain and Greece are increasingly being offered with all-inclusive options. They are being marketed as the best ways to save money on a family holiday. So, is it a marketing ploy or are there real savings to be made?

An all-inclusive holiday means the inclusion of all food, drinks, entertainment and accommodation. So what you are getting is everything. For a family of four, paying additional costs for several meals a day, drinks, and additional activities can take its toll and add approximately £200 per day to a credit card bill! So an all-inclusive package does appear to be a much cheaper, money saving option. But always read the small print.

All-inclusive very rarely means all you can eat whenever you want to eat it. These package deals usually involve breakfast, some form of lunch and an evening meal at set times during the day. They are usually buffet style meals from set menus of local produce. Eating from an a la carte menu will most likely involve an additional cost. Likewise, free drinks will usually mean a selection of locally sourced drinks, and it will not always include the standard choices of alcoholic and soft drinks you and your family may normally choose like spirits.

Before you book, check the information and feedback about the standard of local cuisine that is provided as part of the package. And remember that it is usually local cuisine so if you and your family have particular tastes or dietary needs they may not be catered for. Also find out what drinks actually are included. Remember, going all-inclusive will only be a saving if you actually don't need to pay for anything else.

This is also true for the free entertainment that is offered. Check what this is. There may be additional charges for kids' clubs, water sports and organised tours. The included entertainment tends to be what is made available within the complex like evening dances or discos, games, cinema rooms and so on.

Many families want to explore and experience their holiday destination. One complaint of all-inclusive holidays is the feeling of being stuck to the same routine every day for two weeks. People like to explore, and visit different restaurants, bars and attractions. If this sounds like your family, maybe buying an all-inclusive holiday may not prove to be as much of a saving as you had hoped.

If however, all you want to do is spend time on the beach and relax within the complex as the kids play in the pool, it may be the perfect way to enjoy the luxury of a two week holiday for a reduced amount of money.

The best advice is to read the terms and conditions of the all-inclusive package carefully. Calculate approximately how much your food, drinks, and entertainment will cost you, and compare the prices with a non-inclusive holiday. You may find that there are many family package holidays at half board that will save you just as much money while giving you and your family the flexibility to enjoy, explore, and fully experience your holiday resort outside of the hotel complex.

The author of this article is a customer service manager at He is also a staff writer for the company.